Who do the majority of you use to monitor your 3 credit scores? I am talking about a real FICO score

I am so confused about all of the monitoring services out there, I feel like all of it is a scam. Experian uses a different score than anyone else, Equifax and Transunion use a different scoring system. i was going to go with MYfico howvever online reviews of this company being hard to cancel , locking you into a nonrefundale contract etc; I have no idea who is a legit monitoring service or not. I actually called MyFico and the rep said there were never any specials and that the price is a solid $29.99 per month on a CC. Who do you guys use to monitor your credit and why? Thanks

I'm currently using myFICO and creditchecktotal, but will probably be dropping my subscription to myFICO and just buying reports here periodically. MyFico has the advantage of providing a wide range of different scores(the specialty ones for mortgage, auto, etc...) *when you pull a full report*(they're not updated when changes are detected) as well as just your general FICO 8 score(which is updated when changes are detected). Also their monitoring/alerts covers all 3 bureaus where CCT's monitoring/alerts only covers Experian(although you can pull the other two a few times a month at no extra cost, it just isn't going to check them automatically and send alerts for them). CCT has the advantage of a cleaner interface and cleaner report printouts(IMO they're cleaner and look much nicer, but I'm sure someone out there might prefer myFico's). They're also half the cost if you use the previous mentioned suggestion of signing up for the trial and then use the automated system to cancel and take them up on the offer it will give you.

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    don't have the time to
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    >
    >
    >

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